PAY1EMI
Starting from 9.99% p.a.

Loan
Consolidation

One Loan one EMI One Date just Simplify Your Instalments with Pay1emi

Starting Interest rate at 9.99% p.a with Hassle free digital process. Serving pan India with trusted lending partners.

10,000+
Locations
25+
Lending Partners

Apply for Loan Consolidation

Fill in your details — takes less than 2 minutes

Free service Secure & encrypted RBI-approved lenders

Simplify Your Loans With Smart Consolidation

If you're struggling with multiple loans and EMI dates, loan consolidation is a smart solution. Combine your personal loans, credit card dues, and other liabilities into one single EMI.

With consolidation, you can benefit from significantly lower interest rates and structured repayment plans.

Loan Consolidation Details

Everything you need to know before getting started

Starting @
9.99% P.A.
Loan Tenure
Up To 7 Years
Disbursal Time
2–3 Days
Loan Amount
Up To ₹90L
Prepayment
After 6–12 Months

Required Documents

Keep these documents ready for faster approval

Proof Of Identity

  • PAN Card
  • Aadhaar Card
  • Passport
  • Driving Licence

Proof Of Address

  • Aadhaar Card
  • Electricity Bill
  • Postpaid Bill

Financial Documents

  • Salary Slips (Last 3 Months)
  • Bank Statement (Last 6 Months)

Features & Benefits

Minimal Loan Reject

Apply with PAY1EMI and significantly increase your chances of Approval.

Fully Digital Process

No need to visit banks. Apply online easily from anywhere.

Best Interest Rates

Compare and get the lowest rates from 25+ banks and NBFCs.

Quick Approval

Get Approval with just 5-6 basic digital documents.

Flexible Loan Amount

Loans available from ₹1 lakh up to ₹90 lakh as per your needs.

Stress-Free Repayment

Combine all your loans into one simple EMI and reduce financial stress.

Loan Consolidation

Reduce Your EMI Burden

Convert multiple loans into one smart and manageable EMI.

Current Status

Before

Multiple High-Interest Loans
₹15,00,000
Avg. Interest Rate
10.5% – 36%
Total Combined EMI
₹53,722
VS
Smart Solution

After

Single Consolidated Loan
₹15,00,000
Fixed Interest Rate
12% Fixed
New Tenure
6 Years
Your New Monthly EMI
₹29,325
SAVE ₹24,397 / MONTH
Free Tool

EMI Calculator

Adjust sliders or type values to instantly see your monthly payment

5,00,000
₹50K₹90L
10.5% p.a.
%
7%30%
36 months
mo
6 mo96 mo

Monthly EMI

₹16,253

85%

principal

Principal ₹5,00,000
Total Interest ₹85,117
Total Payable ₹5,85,117

How EMI Calculator Works

Three simple steps to plan your loan smartly

01

Enter Loan Details

Input your desired loan amount, expected interest rate, and preferred repayment tenure using the sliders above.

02

See Total Cost

Instantly view your monthly EMI, total interest outflow, and complete repayment amount broken down visually.

03

Make Smart Decisions

Compare different loan scenarios by adjusting tenure or amount, and choose the option that fits your budget best.